Click to Call
Main Street Independent Insurance Agencies Inc

6300 Ridglea Place Suite 1115
Fort Worth, TX 76116

Get Directions
Texas Umbrella Insurance Coverage

Umbrella Insurance

Umbrella Insurance

An auto or homeowner’s insurance policy in Texas or Colorado does not guarantee complete coverage in case of an accident or disaster. At times, a claim might be made against you that exceeds the limits of your policies, meaning that you will have to use your own money to pay the excess amount. To ensure that you are safe from such scenarios, you should apply for an umbrella insurance policy.

What you need to know about Umbrella Insurance

This is an additional insurance policy which covers all liabilities exceeding the limits of other insurance policies. For instance, if you are liable for a car accident, the medical cost can exceed the limits of your auto insurance hence umbrella insurance will be used to pay the excess expenses. The policy will also pay the legal fees incurred as a result of any liability claim. Most umbrella insurance policies will come with a high deductible, but for most people, the deductible can be paid using the existing insurance policy.

Why you need Umbrella Insurance

If you own valuable assets, this insurance is essential for you. Nonetheless, you do not have to be wealthy to apply for this policy. At some instances, a liability claim which exceeds your auto or homeowner’s insurance can be filed. To cover the excessive amounts, you may be forced to use your wage which will affect your daily way of life. However, this can be prevented if you apply for an umbrella insurance policy, which will cover all excessive liabilities.

How to purchase Umbrella policy

Umbrella insurance policies vary according to terms and sizes. To ensure that you get the best policy, consider visiting Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX. Our Texas agents will help you in reviewing your existing coverage and will also evaluate the assets you wish to protect. This interaction will help us recommend the right umbrella insurance policy for you. We also write policies for the state of Colorado and can help you find an umbrella insurance policy that fits your needs.

Without a doubt, umbrella insurance is essential for you since it helps in covering all your liability claims exceeding your auto, homeowner's insurance, and more. It is high time you visit Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX to get professional help and have your questions answered.

Request a Quote

Servicing these States

  • Texas
  • Colorado
  • Coming soon to Arizona

Our Trusted Partners


  • Allied
  • ASI LLoyds
  • Brighthouse Financial
  • Catlin Specialty
  • Centauri
  • Cincinnati Insurance
  • Colony Insurance Company
  • Foremost Insurance
  • Geovera
  • Hallmark Specialty Insurance
  • Markel Insurance Company
  • Mendota Insurance
  • Mercury Insurance
  • MetLife
  • Nationwide Insurance
  • Safeco Insurance
  • State Auto
  • The Hartford
  • Travelers
  • US Assure Insurance